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Comprehensive Car Insurance provides cover for your car and for damage to other people’s cars and property, while Third Party Car Insurance only covers the damage you cause to other people’s cars and property. You can get a car insurance quote today, quickly and easily.

COMPREHENSIVE CAR
INSURANCE

$50OFF

new policies when purchased online

AAMI Comprehensive Car Insurance covers you for damage to both your car and to other people's vehicles and property.

For damage to someone else’s vehicle or property, we’ll insure you for up to $20 million. For damage to your car we’ll insure you for up to your amount covered.

We’ll also insure you for up to your amount covered if your car is stolen or if it’s damaged by Fire, Hail, Storm or Flood.

CTP or Greenslip

CTP insurance covers you for injuries you cause to other people in a Motor Vehicle accident.

Compulsory Third Party (CTP) is insurance attached to the registration of your vehicle, which provides protection to the at fault driver, against compensation claims from people injured in a motor vehicle accident.

Introducing Suncorp App

Why Car Insurance is important

If you’re like most Aussies, your car is what gets you from A to B comfortably. Driving means different things to different people — independence, convenience, routine, or a chance to explore. So, whether you drive a family SUV, well-loved ute or sleek sports car, you want to feel protected. Depending on your level of cover, your Car Insurance is there to protect not only your car, but the drivers involved too.

Keep your car looking showroom Schmick!

Get those small scratches, scuffs and dents fixed with a Schmick SELECT Membership - designed exclusively for the Suncorp Network. Keep your car looking pristine with cost-effective and convenient minor car repairs.

AAMI Car InsuranceFrequently asked questions

An excess is the amount that you have to pay for each insured incident when you make a claim. When you make a claim we may require you to pay the excess or we may deduct the excess from any payment we make to you. We will tell you when and how the excess is to be paid or deducted. When one or more excesses apply to your policy, they will be shown on your certificate of insurance or in your PDS.

When your building and contents at the one address are insured with AAMI on the same policy and your claim is for loss or damage to both your contents and your buildings, only the higher of your flexi-premium building excess or flexi-premium contents excess is payable (plus any other excess that applies).

You can save on your Home Building and Contents premium, as well as your Comprehensive Car or Motorcycle insurance premium, with AAMI’s Flexi-Premiums. When you choose a higher flexi-premium excess, your premium will be lower.

A standard excess applies to all claims unless otherwise stated in the PDS. However, with AAMI’s Flexi-Premium Excess® you can choose to set an increased excess which will reduce your premium. You can add a Flexi-Premium® Excess to your existing car insurance policy at any time.

AAMI has made it easy for you to update most of your policy details online, including your car registration, how you use your car, additional drivers, your contact information, and more.

Simply log in to your AAMI account and click the ‘My policy list’ link. This will take you to a list of your AAMI policies, where you can click on the link to ‘Update my policy’.

You must list anyone you know or expect will use the car regularly, or only from time to time during the period of insurance. That means anyone who is likely to drive your car more than once throughout the policy period (except learner drivers, who don’t need to be listed).

Your premium is calculated based on the drivers you list, including their age, gender, and driving history. If you don’t list additional drivers, it means we can’t provide the proper insurance that all the drivers of your car need. It also means that if someone who isn’t listed is driving when an incident occurs, you may have to pay a higher claim excess, your claim may not be paid in full, or it may not be paid at all. So if you’re in doubt, list them.

Yes, they can. As long as the road traffic authority in the state or territory they drive your car in recognises their international licence, and the driver complies with their licence conditions, they're fully covered!

But remember, if they're going to drive your car regularly, you must list them on your policy as an additional driver.

You sure are. Our car insurance policies cover your car whenever it’s driven off-road for private and recreational use. However, you still have to take reasonable precautions to keep your car safe.

Keep in mind that you’re not covered if your car was:

In an un-roadworthy condition

Being used in a race, contest, competition, trial, test, hill climb or any motor sport

Damaged further as a result of it being driven after an incident

We’re sorry you’re thinking of cancelling. For policy cancellations or to discuss your situation further, please call us on 13 22 44. If you do cancel, you may qualify for a refund for the unexpired portion of the premium less our cancellation fee and any non-refundable government charges (if applicable).

Do I need to tell you about any modifications or accessories to my car?

Because we cover all legal modifications and accessories fitted to your car, there’s usually no need to list them on your policy. Just ensure the amount you cover your car for is enough to also include the value of all the insured accessories and modifications.

AAMI’s mobile app takes you through the steps of lodging a claim, allowing you to gather details at the time of the incident, take and upload photos directly, and track your claim as it progresses. It’s available both on the Apple Store for iOS devices and on Google Play for Androids. If you don’t have the app, you can also conveniently lodge your claim online. You’ll need the information of all drivers, passengers, and witnesses involved in the incident. That’s full names, registration details, addresses, and contact numbers. If you’ve taken photos at the time of the incident, have them ready, too. Finally, it’s helpful to have your AAMI car insurance policy number on hand when you begin to lodge your claim too.

To make things simpler for you, AAMI can take care of the entire quote and repair process for you. That means after you’ve lodged your claim, you can sit back, relax, and let us handle things.

Up until 19 June 2018, or the first time you renew after that date, you can choose to get a quote from a repairer you know. You’ll still need to obtain a second quote from one of our recommended repairers, to make sure you’re getting the most competitive and complete quote possible.

If we authorise your repairer they can go ahead, but if we don’t and you’d still like to use them, we can pay the amount we would have paid if our recommended repairer had completed the job. However, this will mean the lifetime repair guarantee we usually offer won’t apply.

Don’t stress – there’s no need to update your policy to include a learner driver. They’re automatically covered under your insurance policy, as long as there’s an insured, licensed driver in the front passenger seat with them when they’re driving.

If a learner is driving at the time of an incident, an inexperienced driver or age excess of $400 will apply.

No, your AAMI car insurance policy only applies when you drive in Australia.

No. 'Tools of trade' - meaning tools that are used for business purposes - are not covered by our car insurance policies. Check out AAMI Business Insurance to find out more.

Two-wheel trailers attached to your car are covered by Comprehensive Car Insurance. As long as it’s attached to your car when the incident happens, we pay up to $1,000 for accidental damage. Theft of your attached trailer is also covered.

If your car is assessed to be a total loss or a ‘write off’ from an insured accident, then instead of being repaired, the amount your car is covered for will be given as a cash payout (less any deductions). If your car is less than 24 months old, we’ll replace it with a brand new one of the same make and model.

To make your life easier, AAMI offers several flexible ways to pay for your car insurance. This includes online with your debit or credit card, using BPAY, over the phone, and even at your nearest Australian Post Office. Check out all your options for paying your car insurance policy.

Find out exactly what AAMI customers think about our Car Insurance.

AAMI Car Insurance is rated
4.6 out of
5 by
4456.

Rated 5 out of
5 by
Philmac from
Best Value Policy for AGREED Value !Simple, fast and very affordable car insurance, don't be fooled with MARKET VALUE, as you may be under insured come time for a payout for a total loss.

Date published: 2018-11-08

Rated 5 out of
5 by
stormybill from
Ease of processVery easy to use website with clear presentation of all stages.

Date published: 2018-11-05

Rated 2 out of
5 by
Gomar from
Missed OpportunityI have three private vehicles comprehensively insured with AAMI. Unfortunately AAMI has not provided or offered a loyalty discount for two or more vehicles so Ill be wasting time looking around for a better deal.:-((

Date published: 2018-10-20

Rated 2 out of
5 by
A loyal customer from
Entering date of birth is cumberfsomeProduct is fine, as I have always insured my cars with AAMI. Feedback here is mostly about experience with the website to complete the transaction, particularly using roller to enter the DOB for both drivers. It takes too long as it requires too many clicks to enter the date, month and year for both drivers. The default is current day and month, which makes no sense, because no one born today would be taking an insurance policy to insure a car. Scrolling down the system offers an alternate date around 1920. From then on you have to click to scroll down from 2018, or up from 1920. Too many clicks when I could have entered the date much quicker.

Date published: 2018-10-15

Rated 5 out of
5 by
Rusty dog from
Fast and friendly help when lodging a claimAAMI has been very professional with our claim when our vehicle burnt to the ground through no fault of ours. AAMI settled the claim quickly to enable us to purchase a replacement vehicle, and they organised removal of the burnt out vehicle. This took a lot of worry off our shoulders. Thank you

Date published: 2018-10-11

Rated 5 out of
5 by
KimElaine from
Getting a quote and purchasing a productThe AAMI experience has been great. After reviewing quite a few options - AAMI is the way to go with third party car insurance.

Date published: 2018-10-10

Rated 1 out of
5 by
Rami007 from
1 hr wait to get 1 question answered through your call centerI'm very happy with online experience but unfortunately the call center experience was unpleasant.

Date published: 2018-10-09

Rated 5 out of
5 by
Anonymous from
Making it easy and valueThank you for the easy online experience and cover that I believe is value for money.

Schmick Car Care Club Pty Ltd ABN 77 139 891 679 (Schmick)is a third party independent of us. Schmick has a referral relationship with Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC). PC and its related entities do not sponsor, endorse, approve of, or assist with Schmick’s products or services. If you proceed with a Schmick SELECT membership, PC will receive a referral fee.

AAMI can connect you with Schmick

Schmick’s SELECT membership has been designed exclusively for the Suncorp Network. Schmick aims to provide their customers with convenient, cost effective and quality solutions that help keep a vehicle looking good.

Terms and conditions apply.

Pressure dents

Although small, paint chips and surface scratches can be really unsightly. Luckily, Schmick can have your car looking back to brand new.

Surface scratches

Although small, paint chips and surface scratches can be really unsightly. Luckily, Schmick can have your car looking back to brand new.

Bumper bar scrapes

It’s common for bumpers to get scuffed or scraped. Schmick is able to colour-match and blend minor cosmetic scratches, scrapes, dents, and scuffs, so your bumper looks good as new.

Write off

We consider your car a write off when:

It’s stolen and unrecovered after 14 days; or

We decide it's uneconomical, impractical or unsafe to repair.

We also refer to this as ‘total loss’.

New car if less than 2 years old

If your car’s a total loss, we’ll cover the cost to replace it with a new car that’s the same or similar make and model if:

your car is less than 2 years old

you’re the first registered owner

This is a just summary. For full details check the PDS (Product Disclosure Statement). It’s dry, we know, but it’s essential reading

Amount Covered

How much your vehicle's insured for.

It’s the maximum amount we’ll pay for loss or damage to your vehicle caused by an insured incident. The amount is shown on your certificate of insurance and includes GST.

Modificationsare alterations made to your vehicle that change its original manufacturer's standard construction or performance - such as modified suspension.

Accessoriesare things that are added to your vehicle for convenience or attractiveness - such as tinted windows in a car - that don't change its original manufacturer's standard construction or performance.

AAMI car policies automatically include cover for modifications and accessories up to the amount your vehicle's covered for. There's no need to list them on your policy, just make sure the amount you cover your car for is enough to also cover the value of all the insured accessories and modifications.

Comprehensive Car Insurance

ONLINE DISCOUNT

Get $50 off online quotes

Getting an insurance quote online not only saves you time, but with AAMI you'll also get $50 knocked off an online quote for a new policy.

AAMI FLEXI-PREMIUMS

Vary your excess to save on your premium

Sounds complex but it’s very easy! With AAMI Flexi-Premiums®, you can choose to increase your excess to lower your premium.

PAY ANNUALLY AND SAVE

Pay annually and save

When you pay your AAMI policy premium annually, you'll pay less overall than if you choose to pay monthly.

SAFE DRIVER REWARDS

Up to 15% credit for drivers who don't claim

Maximum 15% credit for drivers who don't make a claim on their AAMI Comprehensive Car Insurance policy that impacts their Safe Driver Rewards status for 10 years+.

DISCOUNTED ROADSIDE ASSIST

Up to 25% off AAMI Roadside Assist

Maximum 25% discount is for drivers who don't make a claim on their AAMI Comprehensive Car Insurance policy that impacts their Safe Driver Rewards status for 9 years+.

SKILLED DRIVER COURSE

Up to 10% off AAMI's Skilled Drivers Course

Up to 10% discount off your rated premium when a listed driver under the age of 25 has completed our one-day driver course, delivered by an AAMI approved provider. Conditions apply. Find out more.

Registered Office, Level 28, 266 George St, Brisbane QLD 4000. Information provided is general advice only and has been prepared without taking into account any person’s particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it’s appropriate for you before making any decisions about whether to buy or continue to hold a product. Information current as of 9 July 2015.